How Contractor Networks Are Reshaping the P&C Claims Landscape
Slow repair cycles. Inconsistent workmanship. Frustrated policyholders. Escalations that should never have happened.
If any of that sounds familiar, it’s probably time to rethink how repairs are managed inside the claims process.
When a loss occurs, the policyholder isn’t just looking for reimbursement; they’re looking for guidance during a disruptive moment. For carriers, that means ensuring repairs are completed quickly, correctly, and with empathy, while maintaining the documentation and controls required to confidently defend the file downstream.
Managed contractor networks are helping insurers meet that expectation by reducing delays, improving repair outcomes, and creating a more predictable path to resolution.
What a Modern Managed Repair Program Should Deliver
At its best, a managed repair program improves operational efficiency, controls cost variability, and strengthens the overall policyholder experience by introducing consistency and accountability into what has historically been a fragmented process.
Without a vetted network, carriers are often exposed to:
- Inflated or inconsistent repair invoices
- Contractor quality variability
- Reopened claims and rework
- Documentation gaps that weaken defensibility
We’ve all seen what happens when unvetted contractors enter storm-impacted areas: pricing volatility, incomplete work, and disputes that drive cycle time and indemnity higher. These situations create friction across the claim lifecycle and ultimately erode trust.
A managed repair network introduces structure, oversight, and documentation, ensuring alignment from the moment covered damage occurs through final completion.
The HOMEE Pro Network
HOMEE’s nationwide Pro Network is built on a live Vendor Scorecard that evaluates contractors across more than 10 KPIs tied to quality, responsiveness, compliance, and performance.
For carriers, this translates to:
- A reliable workforce aligned to program standards
- Improved communication across stakeholders
- Greater quality assurance and cost predictability
- Enhanced policyholder satisfaction
Streamlining the Claims Process
Access to pre-vetted contractors allows carriers to deploy the right resource quickly, reducing assignment delays and shortening claim lifecycles.
That’s increasingly important in today’s construction environment. With an aging workforce and ongoing labor shortages, contractor availability is constrained. Associated Builders and Contractors estimates that approximately 349,000 new construction workers will be needed in 2026 to meet demand.
Managed networks provide a scalable solution to this constraint.
At HOMEE, we work across the ecosystem, including carriers, adjusters, contractors, and homeowners, to simplify damage assessment, estimate creation, and approval workflows. In practice, this has driven:
- Up to 41% reduction in claim cycle times
- 5 – 10x improvement in adjuster operational efficiency
Clearer, Faster Communication
One of the most common sources of delay in repair-driven claims is fragmented communication.
Contractor networks that operate within a single platform enable carriers, policyholders, and service providers to remain aligned on scope, status, and payment milestones.
HOMEE combines automated updates with structured contractor communication and real-time documentation, ensuring:
- Transparency across stakeholders
- Faster approvals
- Fewer disputes
- Reduced misunderstandings
- Continuous project momentum
An accessible, auditable repair history protects all parties and improves file defensibility.
Improving the Policyholder Experience Through Networked Repairs
Repair speed matters.
J.D. Power reports that claims completed within 10 days receive an average satisfaction score of 762 (on a 1,000-point scale). That drops to 595 when repairs extend beyond 31 days.
Managed repair programs help carriers move toward faster, more consistent resolutions, improving satisfaction and restoring normalcy for policyholders sooner.
HOMEE’s AI Smart Match routes jobs automatically to contractors based on trade, capacity, quality history, and specialization. Assigning the right contractor the first time helps:
- Improve workmanship
- Reduce delays
- Prevent downstream supplements
- Enhance overall repair outcomes
Compliance, QA, Cost Control, and Performance Tracking
With construction material costs continuing to fluctuate, rising 3.4% year-over-year as of November 2025 according to the National Roofing Contractors Association, cost predictability has become a priority for claims leaders.
HOMEE’s real-time pricing intelligence and QA systems help carriers benchmark estimates and manage expenses more effectively.
Our vendor platform:
- Adjusts for regional material pricing
- Minimizes supplement surprises
- Tracks contractor actions and timelines
- Captures job-site media and documentation
This supports:
- Program compliance
- Performance tracking
- Audit readiness
- Efficient dispute resolution
- Reduced fraud exposure
Accelerating Repairs from FNOL to Resolution
Legacy repair models often introduce unnecessary delays, quality variability, and communication breakdowns.
HOMEE’s Pro Network streamlines the repair process by:
- Matching contractors to jobs aligned with their expertise
- Providing real-time updates and centralized documentation
- Enabling quality assurance, compliance, and cost oversight
With vetted contractors, automated workflows, and data-driven insights, carriers can reduce friction, improve repair quality, and accelerate cycle times, creating a more efficient, policyholder-focused experience.
In today’s evolving construction and insurance landscape, marked by labor shortages and rising customer expectations, managed repair networks are becoming a core strategy for delivering high-quality repairs and building long-term trust.
Contact HOMEE today to streamline your claims process from FNOL to resolution.
If you’re looking for real jobs tailored to your expertise, apply to become a HOMEE Pro.